Dispute Letter
Credit Reporting Agency Removed Account – Email Question
Here is a question I received in email:
Boiler,
I used your dispute letter and disputed my American Express account which is 2 years delinquent. I received a [...]
Medical Bills and the FDCPA, FCRA, and TCPA
All,
Medical debt is handled in a similar fashion to credit card debt. The FDCPA, FCRA, and TCPA do not apply to the hospital or medical provider; these laws [...]
Help Needed – Top Ten Dirt Bag Debt Collectors List
All,
I am going to make a "Top Ten Dirt Bag Debt Collectors List" in the coming weeks and I need your help.
Please submit your nominees in the comment [...]
Name That Violation! – Call from a Collector – #2
Hello all,
I wanted to thank you for visiting my site. Yesterday I had a record number of visitors. I think this is do to many people coming back to read new [...]
FCRA Violation – Re-Aging and Zombie Debts
All,
I wanted to alert you to credit phenomenons called, "re-aging" and Zombie Debt.
First, re-aging is when the date of last activity or delinquency gets [...]
Validation of debt is Important
All,
There seems to be several misconceptions about verification and validation of debts when dealing with a FDCPA and FCRA.
When you ask for verification of [...]
Name That Violation! – Call from a Collector
I may be the only person in America that loves to get collection letters and collection calls. It is a shame I don't get more.
Debt Collectors use [...]
Prior Litigation May Bar an FDCPA violation – Res Judicata
I answered a comment earlier about suing for the FDCPA while you are in state or local court. When I answered I was not at home and couldn't remember the term [...]
How to Ask a Question – New Phone Number
If you have questions for me, I will do my best to answer them. The best way is to call me and leave a message.
My phone number is 206-426-5079. Call [...]
Colorado Theater Shooting and Credit Discussion
It was hard not to start out talking about the 12 people that were killed in the theater in Aurora Thursday. Especially since this podcast originates about 15 [...]